Managing your investments from a phone is now entirely routine, and the range of apps available can make choosing between them harder rather than easier.
Whether you use Android or iOS, there is no shortage of options for monitoring asset prices, tracking your portfolio, and placing trades.
So which is right for you? We have selected investing apps suited to different asset classes and investor profiles, assessed against usability, safety and regulation, order type availability, currency handling, and total cost – not just headline commissions.
Best Investing Apps in Europe for 2026
Disclaimer: Investing involves risk of loss.
52% of retail CFD accounts lose money.
69-80% of retail CFD accounts lose money.
Investing involves risk of loss.
Terms apply, seek guidance if necessary. When you invest, your capital is at risk.
Comparison of the best investing apps in Europe
| Broker | Minimum deposit | Products | US stock fees | Regulators |
| Interactive Brokers | €0 | Stocks, ETFs, options, futures, forex, commodities, bonds, funds, crypto | From $0.0035 per share (min. $0.35, capped at 1% of trade value) | SEC, FINRA, FCA, CBI, BaFin, ASIC, CIRO, MAS, SFC |
| eToro | $50 (varies by country) | Stocks, ETFs, forex, crypto, CFDs. Social trading and Smart Portfolios | $1 per trade (ETFs commission-free) | CySEC, FCA, ASIC, SEC/FINRA |
| XTB | €0 | Stocks, ETFs, options, forex, and CFDs on stocks, ETFs, indices, crypto, commodities | €0 up to €100,000 monthly turnover (0.2% above, min. €10) | FCA, KNF, CySEC, BaFin, DFSA |
| DEGIRO | €0.01 | Stocks, ETFs, investment funds, futures, leveraged products, bonds, warrants | €1 (+ €1 handling fee; €2.50 annual connectivity fee per exchange) | BaFin, Deutsche Bundesbank, AFM |
| Lightyear | €1 | Stocks, ETFs, money market funds, bonds | 0.10%, capped at $1 per order | EFSA and FCA |
| inbestMe | €1,000 (varies by portfolio type) | Managed ETF and index fund portfolios | Not applicable (robo-advisory) | CNMV |
Interactive Brokers at a glance
Founded in 1978 and publicly listed on NASDAQ (ticker: IBKR, an S&P 500 constituent since 2024), Interactive Brokers is a global broker with a strong capital position, conservative balance sheet, and automated risk controls. It serves over 5 million client accounts with more than $900 billion in client equity.
Interactive Brokers offers two distinct mobile apps, which is unusual and genuinely useful – most brokers force one interface on every user:
- IBKR Mobile: the advanced app, giving access to stocks, options, funds, ETFs, futures, bonds, currencies, and cryptocurrencies across 170+ markets in 36+ countries, alongside EventTrader, Impact Lens, and a full set of technical and fundamental tools;
- IBKR GlobalTrader: a cleaner, modern app aimed at beginners and long-term investors who do not trade actively. It covers stocks, ETFs, and options, with fractional shares from $1, automatic currency conversion, and a $10,000 demo account.
The practical implication: you can start on GlobalTrader and move to IBKR Mobile as your needs grow, without changing broker or reopening an account.
On the downside, Interactive Brokers’ fee structure is comparatively complex and it does not offer fully commission-free trading. However, factoring in FX conversion at 0.20 basis points (minimum $2), tight spreads, the Stock Yield Enhancement Program, and interest paid on uninvested balances, clients achieve significant savings compared with most brokers.
For a euro-based investor buying US assets, that conversion cost typically matters more than the commission itself – it recurs on every deposit and withdrawal, whereas the commission applies once per trade.
Want to know more? Check our Interactive Brokers review.
eToro at a glance
52% of retail CFD accounts lose money.
eToro is a multi-asset platform and one of the leading players in social trading in Europe! With over 35 million users worldwide, it lets you copy other people’s trade, invest in smart portfolios, or invest for yourself in ETFs with 0% commissions (other fees apply), plus cryptos and a bunch of CFDs in several asset classes. Besides, US, EU and UK stocks have a commission of $1 per trade.
The eToro mobile app offers the same features as their web version, but on a smaller screen. It “shrinks” everything into an intuitive mobile app. You can construct and monitor your portfolio (3,000+ financial assets available), check for alert notifications, follow other investors, deposit/withdraw money, and contact customer support.
eToro is regulated by top-tier financial authorities like the Financial Conduct Authority (FCA), the Australian Securities and Investments Commission (ASIC), and the Cyprus Securities and Exchange Commission (CySEC).
On the downside, it charges a 5$ commission per withdrawal, and you may incur spreads and overnight fees if you leverage your positions through CFDs.
If you are interested, please read our eToro Review.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 52% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
DEGIRO at a glance
Investing involves risk of loss.
Founded in 2013, DEGIRO is a low-cost broker available across 18+ European countries. With over 3 million users, it has built its reputation on reliable execution, no deposit or withdrawal fees, and a Core Selection ETF list tradeable for a €1 handling fee per transaction.
The DEGIRO mobile app complements the web platform well, with a genuinely useful search function, a clear portfolio summary, and a solid overview of market events and live news.
Its main shortcomings are limited fundamental research, a €2.50 annual connectivity fee per exchange, no interest paid on uninvested cash, and the absence of price alerts.
On security, DEGIRO operates as the Dutch branch of flatexDEGIRO Bank AG, a German credit institution supervised by BaFin and the Deutsche Bundesbank. It falls under the German Investor Compensation Scheme, covering 90% of losses on non-returned assets up to €20,000. Cash held in a DEGIRO Cash Account with flatexDEGIRO Bank AG is separately guaranteed up to €100,000 under the German Deposit Guarantee Scheme – more generous than most brokers offer on cash balances.
For German residents specifically, DEGIRO also handles Abgeltungsteuer withholding and reporting automatically, which removes an administrative burden that foreign brokers leave with the investor.
Still have doubts? Read our DEGIRO review.
XTB at a glance
69-80% of retail CFD accounts lose money.
Founded in 2002 in Warsaw and listed on the Warsaw Stock Exchange, XTB is a well-established broker serving over 1.7 million clients across 16 countries. It runs two platforms – xStation 5 and xStation Mobile – alongside a broad instrument range, strong customer service, and extensive free educational material through the XTB Trading Academy.
xStation Mobile is among the better apps for charting and technical analysis, supporting numerous indicators including moving averages, volume, and pivot points. Navigation is straightforward, with intuitive order placement across asset classes.
On the downside, XTB charges a €10 monthly inactivity fee after one year without trading and no deposit in the past 90 days – worth noting if you intend to buy and hold for long periods without touching the account. Crypto CFD spreads are also relatively wide compared with its competitive forex pricing.
That said, the product range has broadened considerably: XTB now offers real stocks and ETFs commission-free up to €100,000 of monthly turnover, added vanilla options in early 2026, and pays cash interest on uninvested EUR balances linked to ECB policy.
Read our XTB review for more detail.
inbestMe at a glance
inbestMe is a robo-advisor that builds a portfolio around your financial goals and risk tolerance. The service is fully automated, includes automatic rebalancing, and offers tax-loss harvesting for tax efficiency. Access to a human adviser is available at higher balances.
The inbestMe app serves a different purpose from a broker’s app, since you are not trading, following news, or setting alerts. Its main functions are managing deposits and withdrawals and tracking your portfolio through the investment dashboard. Within that scope it works well, giving you a clear view of how your portfolio is developing.
Several portfolio styles are available, including inbestMe ETF, Dynamic, Value, and a Socially Responsible option, alongside index fund portfolios. Minimum investment varies by portfolio type, so check the current threshold for the style you want.
inbestMe is regulated and supervised by the CNMV, the Spanish securities market authority, with investments protected by Spain’s FOGAIN compensation scheme up to €100,000 per investor – considerably higher than the €20,000 that applies at most European brokers.
Note that inbestMe uses third-party custodians including Interactive Brokers. Depending on the specific custody arrangement, additional protection may apply through the Irish Investor Compensation Scheme (€20,000) or SIPC ($500,000), so it is worth confirming which applies to your account.
Lightyear at a glance
Terms apply, seek guidance if necessary. When you invest, your capital is at risk.
Lightyear is one of the newer investing apps in Europe, with a well-designed mobile platform featuring an efficient search function and clearly organised asset groups. It is available on both Android and iOS. One limitation compared with the web platform is that the mobile app is English-only.
On setup you choose a four-digit PIN to secure the app, with biometric login (Face ID or fingerprint) available thereafter.
Lightyear offers among the highest rates on uninvested cash through money market funds in EUR, GBP, and USD. Note that MMF returns track prevailing rates and are not guaranteed – unlike a bank deposit, they carry the fund’s own risk profile, though they invest in short-dated, high-quality instruments.
The interface puts a search bar at the top alongside key information such as your interest status, “Popular this week”, and “Discover”, each divided into Stocks and ETFs as a collection of trending assets. The app supports market, limit, and recurring orders, matching the web platform. Compared with a broker like Interactive Brokers, the order type selection is more limited – which suits long-term investors better than active traders.
Lightyear operates under Estonian and UK regulation. Lightyear Europe AS is supervised by the Estonian Financial Supervision Authority (EFSA), with UK services provided by Lightyear UK Ltd, authorised and regulated by the FCA. Client assets are covered up to €20,000 in the EU and £85,000 under the FSCS in the UK.
Lightyear also offers a free share worth up to €100 with our promo code.
Disclaimer: Capital at risk. The provider of investment services is Lightyear Financial Ltd for the UK and Lightyear Europe AS for the EU. Terms apply: lightyear.com/terms. Seek qualified advice if necessary.
Bottom line
To summarize here’s the list of “Best Investing Apps in Europe”:
Understanding the need for a sound investment journey is crucial. Knowing the proper app to perform that task is also essential! We understand that the information concerning investing apps is dispersed online, so we hope our suggestions give you a clear path on which one may suit your needs.
Remember that this article should not be construed as investment advice but should be considered information only. Investors should do their own research and due diligence regarding the services and opportunities best suited for their risk tolerance.
FAQs
What is an investment app?
An investment app is a mobile application available in Android, iOS and other operating systems that allows you to access your investments without the need to login into the desktop version of any investment platform. Most investment platforms develop their own trading apps for customers to use.
What is the best trading app?
As much as we would like to give a straight answer, there is no “correct” one. What are you looking for? Trade ETFs, Stocks, a mix of both? Do you value educational materials? Is good customer support non-negotiable for you? It all depends on your personal preferences.
Is it recommended for beginners?
Yes, since it allows you to check your overall portfolio and live news and, in some apps, even gives you access to educational videos. Still, beware that an app-based trading platform can induce overtrading. The power of investing in the palm of your hand sounds appealing, but it can harm you if you don’t use it wisely.
How much money do I need to open an investment app?
Go to the Play Store, Apple Store or any similar app store, search for the app you are looking for, download it and simply follow the instructions after clicking sign-up.
How do I open an account with an investment app?
Go to the Play Store, Apple Store or any similar app store, search for the app you are looking for, download it and simply follow the instructions after clicking sign-up.
What assets can you trade on investing apps?
It will depend on your investment app/platform. Generally, you can trade a wide range of financial products, such as Stocks, ETFs, Options, Cryptocurrencies, Funds, and CFDs on Indices, commodities and currencies.
Are investing apps safe?
Yes! Most mobile apps require authentication through two-factor authentication and other layers of security such as fingerprint and face ID. Plus, any regulation and investor compensation scheme applicable to the broker also includes their mobile app.
